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Insurance Claims and Policy Processing Clerks

Office & Administrative Supporthighautomate
Projected change (est.): ~-5%
Median Wage (est.): ~$45,990
Employment (est.): ~284K

Overall Exposure

67+11

2025 vs 2023

Theoretical Exposure

81

What AI could do

Observed Exposure

41

What AI actually does

Automation Risk Score

65

Displacement risk

3-Year Outlook (2025 → 2028)

Projected changes in AI automation metrics over the next 3 years based on estimated data.

Overall Exposure

67→80
+13

2025 → 2028 (estimated)

Theoretical Exposure

81→93
+12

2025 → 2028 (estimated)

Observed Exposure

41→54
+13

2025 → 2028 (estimated)

Automation Risk

65→78
+13

2025 → 2028 (estimated)

Exposure Metrics (2023 - 2028)

Task Breakdown

Review and process insurance claims submissions
80%β 1
Enter and update policyholder information in databases
85%β 1
Calculate premiums and adjust policy terms
76%β 1
Correspond with policyholders and agents to resolve discrepancies
62%β 0.5

About This Occupation

If you work as an Insurance Claims Clerk, AI is reshaping your profession. With an automation risk of 65/100 and overall exposure at 67%, this role faces high transformation. The highest-impact area is enter and update policyholder information at 85% automation. This is classified as an 'automate' role. BLS projects -5% decline through 2034 as insurtech platforms with AI-powered claims processing and automated data extraction reduce the need for manual processing. Workers who develop expertise in complex claims adjudication and customer relations will maintain stronger positions.

ISCO-08 classification

Unit group 4312ILO official

Statistical, Finance and Insurance Clerks

Definition

ILO original text (English)

Statistical, finance and insurance clerks obtain, compile and compute statistical or actuarial data or perform clerical tasks relating to the transactions of insurance establishments, banks and other financial establishments.

Definition & vocabulary source

Source: International Labour Organization (ILO) — ISCO-08 Structure

License: ILO CC BY 4.0

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Official occupational information

  • ONET43-4011.00

    Brokerage Clerks

    Perform duties related to the purchase, sale, or holding of securities. Duties include writing orders for stock purchases or sales, computing transfer taxes, verifying stock transactions, accepting and delivering securities, tracking stock price fluctuations, computing equity, distributing dividends, and keeping records of daily transactions and holdings.

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  • ONET43-4041.00

    Credit Authorizers, Checkers, and Clerks

    Authorize credit charges against customers' accounts. Investigate history and credit standing of individuals or business establishments applying for credit. May interview applicants to obtain personal and financial data, determine credit worthiness, process applications, and notify customers of acceptance or rejection of credit.

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  • ONET43-4131.00

    Loan Interviewers and Clerks

    Interview loan applicants to elicit information; investigate applicants' backgrounds and verify references; prepare loan request papers; and forward findings, reports, and documents to appraisal department. Review loan papers to ensure completeness, and complete transactions between loan establishment, borrowers, and sellers upon approval of loan.

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  • ONET43-4141.00

    New Accounts Clerks

    Interview persons desiring to open accounts in financial institutions. Explain account services available to prospective customers and assist them in preparing applications.

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  • ONET43-9041.00

    Insurance Claims and Policy Processing Clerks

    Process new insurance policies, modifications to existing policies, and claims forms. Obtain information from policyholders to verify the accuracy and completeness of information on claims forms, applications and related documents, and company records. Update existing policies and company records to reflect changes requested by policyholders and insurance company representatives.

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Source: O*NET 30.2, U.S. DOL/ETA

License: CC BY 4.0

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Frequently Asked Questions

With an automation risk score of 65%, Insurance Claims and Policy Processing Clerks faces a significant risk of AI-driven displacement. Many core tasks in this role can be automated by current AI systems. However, full replacement is unlikely in the near term -- AI will more likely transform the role rather than eliminate it entirely.

Our estimated AI automation risk score for Insurance Claims and Policy Processing Clerks is 65% for 2025. Estimated overall AI exposure is 67%, with 81% theoretical exposure and 41% observed exposure. The estimated risk trend from 2023 to 2025 is +11 points. All of these are model-generated estimates, not measurements.

The tasks with the highest automation potential for Insurance Claims and Policy Processing Clerks are: Enter and update policyholder information in databases (85%), Review and process insurance claims submissions (80%), Calculate premiums and adjust policy terms (76%). These rates are our own estimates of how much of each task current AI systems can handle. They are not measurements and are not taken from any external dataset.

We estimate a -5% employment change for Insurance Claims and Policy Processing Clerks between 2024 and 2034. This is our own estimate, not a figure published by the U.S. Bureau of Labor Statistics. Combined with an estimated overall AI exposure of 67%, this occupation faces both traditional labor market shifts and AI-driven transformation. Workers should monitor both employment trends and AI capability growth.

Since AI primarily automates tasks in this role, professionals in Insurance Claims and Policy Processing Clerks should focus on developing skills that complement AI rather than compete with it. Consider learning AI tool management, shifting toward supervisory and quality-control tasks, and building expertise in areas where human judgment remains essential.

Recent AI Impact Changes

Apr 2026: Goldman Sachs identifies insurance claims clerks as highest AI substitution risk occupation

[Source: Fortune/Goldman Sachs]